Find the Right Checking Account

Whether you want a checking account that gives you cash back or one with no minimum balance, we have you covered.

Checking Accounts

Citadel offers checking options with built-in conveniences and flexibility. Enjoy convenient Online and Mobile Banking tools, including Mobile Deposit, Bill Pay, Account Alerts, and more. Find the right checking account for your financial lifestyle.

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Feature Cashback Rewards Checking FREE Checking 
Cashback Rewards

1% cash back on all qualifying credit and debit card purchases, matched for the first year


Free Overdraft Protection
No ATM Fees
Surcharge-Free ATMs
Free Online and Mobile Banking
 Account Alerts
Mobile Deposit

Every Citadel Checking Account comes with:

Additional Features

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Citadel is committed to helping you protect your hard-earned money. All deposits are federally insured up to $250,000 or more per customer.


Deposit checks on-the-go, 24/7 and at your convenience with Mobile Deposit

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*Checking Accounts Disclosures

View *Checking Accounts Disclosures

Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Fees may reduce earnings.


Cashback Rewards Checking Balance Requirements:


After 60 days, $10.00 monthly service fee is waived if one of the following criteria is met:

  • Maintain an average daily balance of $5,000.00 in your Cashback Rewards Checking Account or
  • Receive monthly qualifying direct deposit(s) into your Cashback Rewards Checking totaling $1,000 or more

A qualifying direct deposit is defined as a recurring direct deposit of payroll, pension, Social Security, Government benefits, or other eligible regular monthly income, electronically deposited into the account. Internal or external transfers from one account to another, mobile deposits, internet payment provider transactions, and deposits made at a banking location, ATM, or through Online and Mobile Banking do not qualify as a direct deposit.

Monthly Inactivity:

A $5 monthly inactivity fee will apply if there is no activity on any Citadel account for one year – this fee is waived if the combined balance of all deposit accounts is $500 or more. Inactivity is defined as a 365-day period during which there were no customer-initiated transactions on any Citadel account.

Important Information about Overdrafts and Overdraft Fees:

An overdraft occurs when the available balance in your account is not sufficient to cover a transaction. Citadel offers several options for you to avoid the potential embarrassment and extra expenses caused by a bounced check or insufficient funds. These include:

  • Transferring funds from a Citadel Savings and/or Money Market Account
  • Advancing funds from a Citadel Personal Line of Credit
  • Courtesy Pay

As a Citadel member, if you have a checking account and qualify, you will automatically be enrolled in Courtesy Pay when you open your account. If you wish to use one of the other options, which may be free or less expensive than Courtesy Pay, you can sign up at any time. To learn more, please ask a Citadel Representative. For a complete list of fees associated with overdrafts, please refer to Citadel’s fee schedule.

This notice refers to our Courtesy Pay program:

Citadel offers Courtesy Pay for its members and may pay overdrafts for the following types of transactions:

  • Checks
  • ACH withdrawals
  • Bill Payer payments
  • Recurring debit card transactions (e.g., monthly payments debited from your account)

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not pay an overdraft, your transaction will be declined and not paid.

If you want to use Courtesy Pay to pay overdrafts for one time, everyday debit card transactions (e.g. Starbucks®, Home Depot®, grocery stores, gas stations, etc.), you must opt in and give us your permission. You can opt in by:

You cannot use Courtesy Pay to pay for overdrafts on ATM withdrawals.

When you use Courtesy Pay, we will charge you a fee of $33 each time we pay an overdraft. There is no limit on the amount of total fees we can charge you for overdrafting your account. Any fees charged will count against your Courtesy Pay limit. For information on Citadel's check clearing policies, please contact us at (800)-666-0191. You can opt out of Courtesy Pay at any time. Please visit any branch, or contact us at the toll free number above.

Federally Insured by NCUA.